In General Relativity we can non-minimally couple the action of the gravitational field to a scalar field, as seen here, where the lowest order gravitational action is coupled to the scalar fields with the form: $\kappa R\phi^2$.
In linearized gravity it is assumed that the gravitational field couples to the stress tensor and not directly to the field $\phi$, with the form $\kappa h_{\mu\nu}T^{\mu\nu}$, as seen here.
What is the difference between coupling directly to the field $\phi$ vs the stress tensor $T^{\mu\nu}$?
In the linearized case, why do we not take the coupling directly with $\phi$ as $\kappa h\phi ^2$, where $h=h^{\mu}_{\mu}=\eta^{\mu\nu}h_{\mu\nu}$ instead?